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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $18,724 | $65,361-71.4% | $92,903-79.8% | $72,983-74.3% |
| Participation rate | 75.0% | 68.3%+6.7pp | 76.0%-1.0pp | 69.5%+5.5pp |
| Annual return | 13.74% | 42.11%-28.4pp | 109.43%-95.7pp | 81.01%-67.3pp |
| Employer contribution / active EE | $725 | $2,594-72.1% | $3,653-80.2% | $2,440-70.3% |
| Participant deferral / active EE | $3,417 | $3,128+9.2% | $4,238-19.4% | $3,608-5.3% |
| Admin fee / account holder | $1,154 | $4,251-72.9% | $5,795-80.1% | $5,124-77.5% |